Senior Financial Analyst – Deposit Balances and NII (Flows)
About The Position
This job is responsible for serving as a finance partner to specified Lines of Business (LOBs) and providing financial analysis and guidance to support key decisions and initiatives. Key responsibilities include performing forecasting, profitability analysis, expense efficiency, pricing, financial reporting, and generating value creation ideas and new investment business cases. Job expectations include preparing insights to guide management's decision making and evaluating financial performance versus plans, forecasts, and prior periods. The Deposits Finance Horizontal team is part of the Regional Banking & Wealth Management CFO organization and delivers strategic financial analysis, forecasting, and reporting for Deposit products and related fees. The team partners closely with Business Finance Officers (BFOs) and Lines of Business (LOBs) to support decision‑making across Checking and Savings Accounts, Deposit Balances and Net Interest Income (NII), Service Charges, and Debit Card/Payments. This role supports forecasting, stress testing, and financial reporting for the Deposit Balance portfolio and related Net Interest Income (NII). A primary focus is forecasting daily deposit flows and assessing the NII impact of balance movements, including rate sensitivity, mix shifts, seasonality, and broader market trends. The role partners closely with the Deposit line of business and Finance stakeholders.
Requirements
- Bachelor’s degree in Finance, Accounting, or a related field.
- Two or more years of experience in financial analysis, accounting, or a related role.
- Strong analytical and organizational skills with exceptional attention to detail.
- Strong verbal and written communication skills, with the ability to influence and partner effectively with stakeholders.
- Advanced proficiency in Microsoft Excel and PowerPoint.
- Ability to work independently in a fast-paced, results-driven environment.
- Collaborative team player with strong relationship-building skills.
- Curiosity and a continuous improvement mindset.
- Strategic thinker with the ability to navigate complex business challenges and develop practical solutions.
- Demonstrated focus on process discipline, controls, and risk management.
Nice To Haves
- Familiarity with emerging analytic and reporting tools such as Tableau, Alteryx, and SQL.
- Experience with planning, forecasting, variance analysis, or financial modeling.
- Experience with Essbase (Smart View) and general ledger systems.
Responsibilities
- Maintain and enhance scalable, repeatable forecasting processes for deposit balances.
- Analyze deposit and client flow drivers, including income, spend, debt, taxes, and macroeconomic trends.
- Drive a consistent analytical framework across Consumer, Small Business, and GWIM lines of business.
- Improve forecast transparency by explaining variances and identifying emerging trends.
- Generate actionable insights into client behavior to strengthen forecasting accuracy and decision-making.
- Translate large, complex data into clear recommendations for Finance and business partners.
- Strengthen governance over forecasting assumptions, methodologies, and outputs.
- Continuously enhance forecasting processes to support stronger business and finance decisions.
Benefits
- Access to paid time off
- Resources and support to our employees
- Discretionary incentive eligible
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What This Job Offers
Job Type
Full-time
Career Level
Senior
